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Vehicle(s) I currently own
2006 BMW 330Ci Coupe
  • Re: Chronic Car Buyers Anonymous

    320i --Not BMWs finest hour and perhaps the most unloved BMW ever. It would have to be dirt cheap, in the $2500 range. Rather dull to drive but sturdy enough. Weaknesses include air leaks in the EFI system and heater core leaks.
    Given the competition in the '77-'83 time frame, the 320i was a great car, though typically over-priced.
  • Re: 2015 Infiniti QX60 Lease Questions

    Michaell said:

    Hi. Looking for MF and residual for fully loaded AWD QX60 in Maryland. MSRP $58k - we haven't negotiated the offer yet but wanted to get a sense of what to expect with the lease. We know full tax is due in MD at closing, and may pay it up front rather than roll it into the lease. Will likely put $5k down. Thank you!
    What lease term and how many miles per year?

    We don't recommend making a down payment on a lease - if the car is stolen or totaled, you lose that money. Consider MSD instead to buy down the MF; you'll get the money back at the end of the lease.

    Of course, that doesn't apply to sales tax.

    Thanks very much. We are looking at 39 months and 12k/yr. How is the MF or calc affected by changes in the miles? 10k vs 12k vs 15k? Your comment on the down makes sense but how does the MSD allow you to "buy down the MF"?  Thanks!
    .00106 MF and 59% residual for 36/12.

    Add 1% for 10K/yr, Subtract 2% for 15K/yr.

    MSD = multiple security deposits.
    For each security deposit (up to 9), IFS lowers the money factor by .00010. It's not the same as buying down the rate on a mortgage, because with MSDs, you get the money back at the end of the lease.

    Assuming a $600 payment, 9 MSDs = $5400, but lowers the MF to .00016. That could lower the payment by $65-$80/mo...
  • Re: Chronic Car Buyers Anonymous

    We usually hit the show in Cincinnati every year. It's mostly disappointing and takes less and less time to go through, each year.

    Plus, the more I contemplate retirement, the more my desire wanes, to drop $30K on another car, if that means I have to work another year.
  • Re: Road Trip!

    So, you put him in the neighbor's garage?
  • Re: Road Trip!

    Note to self: Cancel trip to see Steve
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